歐洲消費者行動電話保險意識 是由出版商Finaccord Ltd.在2011年02月所出版的。
這份英文市場調查報告書包含160 Pages 價格從美金4117起跳。
行動電話保險為因應手機破損、實施、故障、偷竊、不法行為等風險,單獨銷售之產品,有時會跟其他金融產品一起套裝銷售。目前,消費者加入合約時,普遍於手機店及行動通訊業者處辦理,但由金融機關及保險公司直接銷售之案例也越來越多。
本報告為,針對6,000位法國、德國、義大利、荷蘭、西班牙、英國消費者於2010年11月及12月進行調查之結果,並分析歐洲消費者對行動電話保險之意識,匯整保險普及趨勢及各種銷售管道之使用情形、與2006年調查之比較分析等,以下列摘要形式闡述。
實施概要
第1章 簡介
第2章 歐洲市場概要
- 簡介
- 受訪者比例
- 加入行動電話保險之用戶比率
- 未加入行動電話保險之用戶心理
- 行動電話保險承擔之風險
- 其他金融產品及套裝產品
- 英國之其他金融產品及套裝產品保險較多
- 法國也有於卡片保險中加保行動電話保險之用戶
- 行動電話保險之通路管道
- 三分之二保險合約經由行動電話業者或行動通訊業者辦理
- 行動電話保險之銷售型態
- 加保行動電話保險之時期
- 保險求償件數
- 加保方式別之保險求償件數
- 保險類別之保險求償件數
- 保險求償理由
第3章 法國
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第4章 德國
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第5章 義大利
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第6章 荷蘭
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第7章 西班牙
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第8章 英國
- 簡介
- 行動電話之基本市場
- 行動通訊業者
- 行動電話保險投保人比率
- 行動電話保險承擔之風險
- 行動電話保險之通路型態
- 行動電話保險之求償情形
- 調查對象
第9章 附錄
圖表
Abstract
Finaccord' s report titled “Mobile Metrics: Consumer Approaches to Mobile
Telephone Insurance in Europe” offers detailed and unique insights into the
behaviour of consumers in the context of mobile telephone insurance. Based on
a primary survey of 6,000 mobile owners in France, Germany, Italy, the
Netherlands, Spain and the UK carried out in November and December 2010, the
research provides valuable data describing the extent to which they take out
mobile telephone insurance and clarifying the proportion of uninsured mobile
owners who recognize the benefits of the insurance but have simply not yet got
round to acquiring cover. In addition to calculating the percentage of
consumers that buys mobile cover in each country, split by mobile operator,
the investigation also analyses which risks are covered by the policies that
they have acquired (i.e. accidental damage, loss, mechanical failure, theft,
unauthorized usage), whether they have purchased a stand-alone policy or
already possess cover packaged with another financial product, which
distribution channel and interface customers with stand-alone cover used to
take out mobile telephone insurance, and whether they bought a policy at the
same time as finalizing their mobile contract or retrospectively. Finally,
the report analyzes claims frequency for mobile telephone insurance split in a
variety of ways including by type of claim and according to whether the claim
was accepted or refused. For all countries apart from the Netherlands (which
was not covered by the original survey) the majority of results from the
latest research are compared with those from a previous study published in
2006, thereby showing how consumer behaviour has changed since then. Key
features of this report include: - unique analyses showing the percentage of
mobile owners that currently possesses mobile telephone insurance in each
country, how this penetration rate varies by mobile operator and the potential
for this proportion to grow further; - accurate data describing the percentage
of mobile owners covered in the event of accidental damage, loss, mechanical
failure, theft and unauthorized use; - robust statistics illustrating the
extent to which alternative distribution channels, such as banking
institutions, direct sales by insurers and affinity channels are eroding the
share of mobile telephone network operators and retailers; - reliable
benchmarking of the point in time chosen by insured mobile owners to take out
mobile telephone insurance; - valuable insights into claims frequency rates
split by type of policy (i.e. stand-alone or packaged), and by type of
subscriber (i.e. contract or pre-pay), as well as by type of claim and by
whether the claim was accepted or refused.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Apparent willingness to buy among uninsured mobile owners is especially
high in Spain
- Customers with a contract are more likely to take out cover than pre-pay
customers in five countries
- Packaging mobile telephone insurance with banking products is especially
common in the UK
- Claims frequency varies significantly both by age group and from one
country to another
1.0 INTRODUCTION
- Research rationale
- European consumer research
- Mobile telephone insurance
- Other topics
- Other international research reports
2.0 EUROPEAN OVERVIEW
- Introduction
- Proportion of respondents owning a mobile telephone
- In most countries mobile owners with a contract are more likely to take
out insurance than pre-pay clients
- Proportion of mobile owners with mobile telephone insurance
- Penetration rates for mobile phone cover are higher in the UK and France
than in the other four countries
- Attitudes towards mobile telephone insurance of mobile owners without cover
- Perceptions of mobile insurance among the uninsured vary greatly from
one country to another
- Risks covered by mobile telephone insurance
- On average theft is the risk most frequently covered by mobile telephone
insurance across the six countries
- Policies paid for separately and packaged with other financial products
- Mobile telephone insurance is most likely to be packaged with banking
products in the UK
- Some French consumers acquire mobile cover through a card protection plan
- Distribution channels used for mobile telephone insurance
- In all countries over two thirds of policies are bought through a mobile
retailer or network operator
- Distribution interfaces used for mobile telephone insurance
- Face-to-face sales predominate in five of the six countries
- Mobile telephone insurance - point in time obtained
- In all six countries at least a half of all policies are acquired at the
time of obtaining the mobile handset
- Mobile telephone insurance - frequency of mobile telephone insurance claims
- There is evidence to suggest that as cross-selling rates increase,
claims frequency falls
- Mobile telephone insurance - claims frequency split by subscription method
- Pre-pay customers are more likely to file a claim than those having a
contract
- Mobile telephone insurance - claims frequency split by type of insurance
- Policyholders who acquire cover in packaged form are significantly less
likely to make claims
- Mobile telephone insurance - main reasons for claims
- The reasons why customers make claims can vary substantially from one
country to another
3.0 FRANCE
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- Proportion of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes towards mobile telephone insurance of mobile owners without
cover
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
- The research embraces a total of 1,000 respondents in France
4.0 GERMANY
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- Proportion of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes towards mobile telephone insurance of mobile owners without
cover
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
5.0 ITALY
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- Proportion of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes towards mobile telephone insurance of mobile owners without
cover
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
6.0 NETHERLANDS
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- Proportion of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
7.0 SPAIN
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- Proportion of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes towards mobile telephone insurance of mobile owners without
cover
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
8.0 UNITED KINGDOM
- Introduction
- Underlying market for mobile telephones
- Mobile network operators used
- % of mobile owners in possession of mobile telephone insurance
- Proportion of mobile owners who have insurance, segmented by
subscription method
- Proportion of mobile owners who have insurance, segmented by network
operator
- Attitudes towards mobile telephone insurance of mobile owners without
cover
- Attitudes of mobile owners without cover, segmented by subscription
method
- Risks covered by mobile telephone insurance
- Distribution of mobile telephone insurance
- Distribution channels used for stand-alone mobile telephone insurance
- Distribution interfaces used for stand-alone mobile telephone insurance
- Mobile telephone insurance - point in time obtained
- Mobile telephone insurance claims experience
- Mobile telephone insurance - main reasons for claims
- Research sample
9.0 APPENDIX
- Research methodology
- Research structure
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY
- Penetration rates for mobile telephone insurance are at their highest in
France and the UK
- The least risky customers are those aged between 45 and 64: however,
insurance cross-selling rates are low in this age band
1.0 INTRODUCTION
2.0 EUROPEAN OVERVIEW
- % of respondents in six European countries owning a mobile telephone split
between pre-pay and contract customers, 2010
- % of respondents in six European countries owning a mobile telephone split
between pre-pay and contract customers, 2010 (data)
- % of mobile owners in six European countries in possession of mobile
telephone insurance, 2006 and 2010
- % split of attitudes towards mobile telephone insurance of mobile owners
without cover in six European countries, 2010
- % split of attitudes towards mobile telephone insurance of mobile owners
without cover in six European countries, 2010 (data)
- Risks covered by mobile telephone insurance in six European countries, 2010
- Risks covered by mobile telephone insurance in six European countries,
2010 (data)
- Segmentation of mobile telephone insurance in six European countries
between policies paid for separately and packaged policies, 2010
- Segmentation of mobile telephone insurance in six European countries
between policies paid for separately and packaged policies, 2010 (data)
- Distribution channels used for mobile telephone insurance in six European
countries, 2010 (stand-alone policies only)
- Distribution channels used for mobile telephone insurance in six European
countries, 2010 (stand-alone policies only) (data)
- Distribution interfaces used for mobile telephone insurance in six
European countries, 2010 (stand-alone policies only)
- Distribution channels used for mobile telephone insurance in six European
countries, 2010 (stand-alone policies only) (data)
- Time of acquiring mobile telephone insurance relative to time of acquiring
mobile telephone in six European countries, 2010 (stand-alone policies only)
- Time of acquiring mobile telephone insurance relative to time of acquiring
mobile telephone in six European countries, 2010 (stand-alone policies only)
(data)
- Frequency of mobile telephone insurance claims in the last 12 months in
six European countries, segmented by outcome of claim, 2010
- Frequency of mobile telephone insurance claims in the last 12 months,
segmented by subscription method, 2010
- Frequency of mobile telephone insurance claims in the last 12 months,
segmented by type of insurance, 2010
- Main reasons for mobile telephone insurance claims in six European
countries, 2010
- Main reasons for mobile telephone insurance claims in six European
countries, 2010 (data)
3.0 FRANCE
- % of respondents in France owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in France, segmented by subscription
method, 2010
- % of mobile owners in France who have insurance, 2006 and 2010
- % of mobile owners in France who have insurance, segmented by subscription
method, 2010
- % of mobile telephone owners in France who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in France, 2006 and 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in France, 2006 and 2010 (data)
- Main reasons why uninsured mobile telephone owners do not hold insurance
in France, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in France, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurace in France, 2006 and 2010
- Types of insurance policy held by insured mobile owners in France, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
France, 2006 and 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
France, 2006 and 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in France, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in France, 2006 and 2010
- Frequency of mobile telephone insurance claims in France, segmented by
outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in France, 2010
- Sample breakdown in France by age group and household income band, 2010
4.0 GERMANY
- % of respondents in Germany owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in Germany, segmented by subscription
method, 2010
- % of mobile owners in Germany who have insurance, 2006 and 2010
- % of mobile owners in Germany who have insurance, segmented by
subscription method, 2010
- % of mobile telephone owners in Germany who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Germany, 2006 and 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Germany, 2006 and 2010 (data)
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Germany, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Germany, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurance in Germany, 2006 and 2010
- Types of insurance policy held by insured mobile owners in Germany, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
Germany, 2006 and 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
Germany, 2006 and 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in Germany, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in Germany, 2006 and 2010
- Frequency of mobile telephone insurance claims in Germany, segmented by
outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in Germany, 2010
- Sample breakdown in Germany by age group and household income band
5.0 ITALY
- % of respondents in Italy owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in Italy, segmented by subscription
method, 2010
- % of mobile owners in Italy who have insurance, 2006 and 2010
- % of mobile owners in Italy who have insurance, segmented by subscription
method, 2010
- % of mobile telephone owners in Italy who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Italy, 2006 and 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Italy, 2006 and 2010 (data)
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Italy, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Italy, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurance in Italy, 2006 and 2010
- Types of insurance policy held by insured mobile owners in Italy, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
Italy, 2006 and 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
Italy, 2006 and 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in Italy, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in Italy, 2006 and 2010
- Frequency of mobile telephone insurance claims in Italy, segmented by
outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in Italy, 2010
- Sample breakdown in Italy by age group and household income band
6.0 NETHERLANDS
- % of respondents in the Netherlands owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in the Netherlands, segmented by
subscription method, 2010
- % of mobile owners in the Netherlands who have insurance, segmented by
subscription method, 2010
- % of mobile owners in the Netherlands who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the Netherlands, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the Netherlands, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurance in the Netherlands, 2010
- Types of insurance policy held by insured mobile owners in the
Netherlands, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
the Netherlands, 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
the Netherlands, 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in the Netherlands, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in the Netherlands, 2010
- Frequency of mobile telephone insurance claims in the Netherlands,
segmented by outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in the Netherlands, 2010
- Sample breakdown in the Netherlands by age group and household income
band, 2010
7.0 SPAIN
- % of respondents in Spain owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in Spain, segmented by subscription
method, 2010
- % of mobile owners in Spain who have insurance, 2006 and 2010
- % of mobile owners in Spain who have insurance, segmented by subscription
method, 2006 and 2010
- % of mobile telephone owners in Spain who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Spain, 2006 and 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Spain, 2006 and 2010 (data)
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Spain, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in Spain, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurance in Spain, 2006 and 2010
- Types of insurance policy held by insured mobile owners in Spain, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
Spain, 2006 and 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
Spain, 2006 and 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in Spain, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in Spain, 2006 and 2010
- Frequency of mobile telephone insurance claims in Spain, segmented by
outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in Spain, 2010
- Sample breakdown in Spain by age group and household income band
8.0 UNITED KINGDOM
- % of respondents in the UK owning a mobile telephone segmented by
subscription method, 2010
- Mobile phone network operators used in the UK, segmented by subscription
method, 2010
- % of mobile owners in the UK who have insurance, 2006 and 2010
- % of mobile owners in the UK who have insurance, segmented by subscription
method, 2010
- % of mobile telephone owners in the UK who have insurance, segmented by
mobile network operator, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the UK, 2006 and 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the UK, 2006 and 2010 (data)
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the UK, segmented by subscription method, 2010
- Main reasons why uninsured mobile telephone owners do not hold insurance
in the UK, segmented by subscription method, 2010 (data)
- Risks covered by mobile telephone insurance in the UK, 2006 and 2010
- Types of insurance policy held by insured mobile owners in the UK, 2010
- Distribution channels used for stand-alone mobile telephone insurance in
the UK, 2006 and 2010
- Distribution interfaces used for stand-alone mobile telephone insurance in
the UK, 2006 and 2010
- Cross-referencing of distribution channels and interfaces used for
stand-alone mobile telephone insurance in the UK, 2010
- Time of acquiring stand-alone insurance relative to time of acquiring
mobile telephone in the UK, 2006 and 2010
- Frequency of mobile telephone insurance claims in the UK, segmented by
outcome of claims, 2010
- Main reasons for mobile telephone insurance claims in the UK, 2010
- Sample breakdown in the United Kingdom by age group and household income
band
9.0 APPENDIX
- Sample breakdown by age and annual household income band
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